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Updated on June 27, 2022 1:18 am

Assessment: Citi Simplicity Credit score Card

0% introductory APR for 21 months on steadiness transfers: One of many longest introductory durations on steadiness transfers we have come throughout, you will get a 0% intro APR on the steadiness transferred for a full 21 months, which suggests you’ll have virtually two years to repay your steadiness.

0% introductory APR for 12 months on purchases: You may additionally get a 0% intro APR on new purchases for the primary 12 months. It is a useful perk if you happen to plan on shopping for something with the cardboard.

Select your fee due date: A bit flexibility can go a great distance in relation to managing your funds. The cardboard enables you to select from any obtainable fee date, whether or not it is at first, center, or finish of the month. That manner, you’ll be able to arrange computerized funds which might be aligned along with your paycheck.

No late charges: One of the crucial distinctive perks is that there aren’t any late charges, ever. Whilst you ought to at all times pay your invoice on time, as a result of late funds can nonetheless have an effect on your credit score, it is good to know that you simply will not be charged if you happen to do slip up and miss a fee.

No penalty APR: When you miss some funds, most bank cards will enhance your rate of interest to their penalty APR. Citi® Simplicity® Card by no means prices a penalty price, so your APR is not liable to rising because of late funds.

No annual price: This card comes with no annual price, which is a crucial function in case your purpose is to repay debt.


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